I recognize that this is an old thread, but in case anyone is still thinking about these issues, I am a partner in a CPA firm that works with gobs and gobs of businesses in the insurance business. It almost never makes sense to operate as a C corporation. The exception would be for a company prepari...

I'm a partner in a CPA firm that works exclusively with independent contractors, many of which are insurance agents. I wanted to chime in and hopefully provide some insight. The laws that determine whether or not you're an independent contractor are federal. There are law firms that specialize in li...